Who should protect online shoppers? The answer is institutional

Egyptian online shoppers expect institutions to lead on fraud protection. Visa’s Stay Secure 2026 study found that 47% place primary responsibility with government authorities or regulators, followed by banks and financial institutions at 43% and payment providers at 28%.

Personal responsibility sits much lower. Only 13% say shoppers themselves should hold primary responsibility. Awareness still matters, but the broader expectation is clear: institutions in digital commerce are expected to shoulder more of the protection burden.

Reassurance also has a clear shape. The study found that 64% would feel secure receiving real-time alerts from their bank or payment app when something looks suspicious. Another 44% would feel more comfortable seeing a familiar, trusted logo at checkout.

For banks, merchants, payment providers, and regulators, the message is direct. Fraud protection needs to be visible while people are paying, not confined to awareness campaigns. The clearest proof points in the study are real-time alerts and trusted logos at checkout.

Secure payments have always mattered. The shift lies in how clearly shoppers assign responsibility — and how closely they connect reassurance to the moment they decide whether to complete an online purchase.